Repo unchanged. RBI sounds scared of inflation but not so much. They're gonna use VRRR to keep short term rates relatively high.
This means they will continue to be some printing. VRRRs increase, and will have longer VRRRs (28 days already could be more). If you don't understand this don't worry, it will change absolutely nothing about your life.
Given this, there is really no big need of changing the reverse repo rate.
TLTRO can be repaid in advance, which should help some banks. THere's some 75000 cr. remaining, most were borrowed at 4.4%. This shold reduce need for VRRR also 
Digital payments - something is gonna change. They will probably remove or reduce charges totally
UPI up to 5 lakh rather than 2L, but there's some complexity.
This seems a little too senti a speech even for Das.
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